Which Credit Reference Agency do you use?

There are three main Credit Reference Agencies in the UK: Equifax, Experian and Callcredit. We partner with two of these to provide our services.

We partner with Callcredit to provide you with your TotallyMoney Credit Report. Callcredit pull in information from various lenders and public bodies and we provide you with a free to use, easily accessible platform, via which you can access this data. Whilst this is held by Callcredit, they are unable to make any changes to this data without the lender’s authorisation.

To provide you with your Borrowing Power, we partner with Experian. We work with Experian to establish your eligibility for a number of products, using both Credit Report and live market data. This provides you with a real indication on which products you are more likely to be accepted for.

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TotallyMoney is an independent credit broker, not a lender. It provides a free comparison service to customers, though it may be paid a fee by lenders.

TotallyMoney is owned and operated by TotallyMoney Limited which is registered in England and Wales (Company Registration Number 06205695). TotallyMoney Limited is an Appointed Representative of MI Money Limited, which is registered in England and Wales (Company Registration Number 0​6​9​6​7​0​1​2) and authorised and regulated by the Financial Conduct Authority in respect of consumer credit related activities (FCA FRN: 5​1​1​9​3​6). TotallyMoney Limited and MI Money Limited act as independent credit brokers, not credit lenders. Trading Address and Registered Office: Churchill House, 142-146 Old Street, London EC1V 9BW. Credit is available, subject to status, only to UK residents aged 18 or over.